Ardmore Family Practice Payment Policies

Insurance & Payment Policies

The list below contains a few of the health plans we accept. Please contact our office if you have questions about your insurance plan.

Aetna

BCBS

Cigna

Coventry

Medicaid (excluding Family Planning)

Medicare

Tricare Standard

UMR

United Healthcare

BCBS Advantage

Humana Medicare Gold

United Healthcare Medicare

Non-Participating Insurance Plans

If we do not participate with your insurance plan, you can still be seen by a provider in this office. Payment in full will be expected at time of service. If your plan provides an out-of-network option, you can provide payment according to the terms of your policy.

Payment Policies

We are dedicated to providing the best possible care for you, and we want you to completely understand our financial policies.

Billing and Insurance

All insurance co-payments and deductibles are due at the time of service and are collected at check-in. If we do not have a contracted arrangement ("out of network") with your insurance plan, we will gladly prepare and file your medical charges for you. This means your insurance carrier may send the payment directly to you. Therefore, payment of all charges are due at the time of service. We accept cash, checks, MasterCard, Visa, Discover and Care Credit as payment options. Your insurance company requires you to present your insurance card at each visit. If the insurance company that you designate is incorrect, you will be responsible for payment.

Online Bill Pay

For your convenience you can pay bills on line. This service allows you to pay your bills quickly and securely through
the patient portal.

Your insurance company requires you to present your insurance card at each visit. If the insurance company that you designate is incorrect, you will be responsible for payment.

If we are your primary care physician, make sure our name or phone number appears on your card. If your insurance company has not yet been informed that we are your primary care physician, you may be financially responsible for charges.

Not all insurances cover all services your provider feels are necessary. In the event your insurance plan determines a service to be "not covered" you will be responsible for the service. Please take time to review your policy before your appointment. Questions regarding your insurance coverage should be directed to your insurance carrier or your employer's human resources department. We will make every effort to make certain that the services we recommend are covered by your insurance policy.

Forms

If you have forms that need to be completed for school, work, or insurance purposes, please remember to bring them to your provider at your appointment time. You will be charged $25 for the completion of a form if it is not presented during an office visit.

Testimonials

Best PCP I’ve ever had! Dr. Rosen listens, communicates in terminology lay person understands, doesn’t chastise if you backslide, but explains need to stay on track, allows you to be apart of your care. Staff is the same way. All make you feel like a patient, not a number to be herded through for profit.

Dr. Sapp will be my doctor as long as I’m living and I have recommended her to friends of mine that needed a doctor.

Dr. Sapp is equally outstanding in working with me through the patient portal. I am so glad to have a secure email resource with AFP.

Caroline is awesome. I always leave my appointments with a clear plan for my improved health.

I drive 140 miles round trip to be their patient. That speaks volumes. On my first visit as I entered, I made note of the fact that Donna and the rest of the office staff acted like they were really glad to see me, thusly I felt welcomed. In subsequent trips I learned that I was wrong as this was not an act but VERY genuine and sincere. This place provides good medical care as their standards never deviate below excellent. It is amazing how they operate in such a team effort. What is even harder to believe is they way that the insist that I am also a member of that team.

Dr. Sapp is extremely helpful, friendly, articulate and professional. I am a new patient, and I found her to be very thorough in her suggestions and comments. I am very glad that Medicare helped me choose her…She is a very knowledgeable doctor and a wonderful human being.

Dr. Sapp made me feel that she truly cared about ME and my health concerns. That is important to me.

Caroline is awesome. She explains everything in great detail and encourages me.

Always very knowledgeable and I have great confidence in her. Provides helpful information to me, listens well, and answers my questions when I have them.